Innovation Loan

– for early-stage innovation projects

What is the Innovation Loan?

Almi’s Innovation Loan is aimed at businesses running innovation projects in their early stages.

After a credit assessment, the loan terms are determined based on your company’s financial situation and the conditions of the project.

The Innovation Loan gives businesses the opportunity to pursue projects with a higher-than-usual level of risk.

What can the loan be used for?

Innovation loans can, for example, be used for the development of new or improved technology and services, the protection of intangible assets, or market research.

You get more than just a loan

When you take out a loan with Almi, you also receive a sustainability dialogue and a financial review of your business – at no extra cost. Why?

To stay relevant in the future

Customers, partners and the planet are placing greater demands on businesses. Showing that you work with sustainability might be the very reason why customers choose your business.

To improve profitability

By understanding the link between your profit and loss statement, balance sheet and cash flow, you gain better control of your profitability.

To help you prioritise wisely

With greater insight into how different goals and actions impact your business finances, you can ensure the loan is used where it makes the most impact.

Apply for a loan

Multiple loan types – one application

If you have a clear financing need, go ahead and fill out a loan application! If you’d like to speak with us first, fill in the form at the bottom of the page – we’ll get in touch shortly. Apply for a loan (form in Swedish) >>

Innovation Loan – key facts

Target group: Entrepreneurs and new companies with innovative business ideas, as well as established businesses with ideas for renewal and innovation.

Amount: Almi assesses the project individually.
Loan amounts typically start at SEK 300,000.

Term: Maximum of 96 months.

Security: Usually a business mortgage. If applicable, pledging of patents, trademarks or design rights.

Financing level: Maximum 50% of the estimated project cost.

For loan amounts above SEK 300,000, at least half of the co-financing must be in the form of capital – either equity, a bank loan or other external funding.

Lightbulb symbolising sustainable innovation – made possible with an innovation loan from Almi.

Interest

Almi’s loans often act as a top-up loan, which means we take on a higher risk. As a result, our interest rate is typically higher than the average bank rate.
In many cases, a loan from Almi is what makes it possible for a bank to approve a loan as well.

Apply for a loan